Big/medium banks are never going to use Ripple, theyre only trying it out and will drop it then make their own technology (not de-centralized!)
Blockchain will change how we send money, but not through banks. Theyre completely against de-centralized control of financial system. We need blockchain solutions like Kora (
https://bitcointalk.org/index.php?topic=2876521.0) that are person to person and small business to small business
i think banks are using ripple blockchain to send funds from bank to bank, not from person to bank, nor bank to person. there is a wave among banks who uses ripple blockchain, some banks will follow those banks that are using ripple. and more and more banks will follow the lead. it's a possibility that banks may create their own blockchain and use it instead of ripple, but that would still be years from now.